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Shari'ah Compliant Products

A comprehensive variety of Islamic Banking solutions offer fully transparent Shari’ah compliance to all Excellency clients.
Our commitment is to ensure that your banking experience remains at the highest level of quality, service and convenience while assuring complete Shari’ah compliance.
Designed to ensure your peace of mind and financial security whilst still building your wealth at optimum levels, all Islamic banking products and services offered are regulated by the UAE Central Bank and supervised by an independent Fatwa and Shari’ah Supervisory Board. The Islamic Banking suite of products is available to Excellency clients at our six Excellency Centres, as well as at all ADCB branches across the UAE.

The following Shari’ah compliant products are available:

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  • Accounts and Deposits

    • Current Account
      The Current Account is based on Wadi’ah Bed-Dhaman (Shari’ah compliant safekeeping of funds) to assist you in making your daily banking easier with high quality personalized service.

    • Savings, Special Savings and Millionaire Destiny Savings Accounts
      Offering a suite of attractive Savings Account options, ADCB Islamic Banking works together with you within a Mudaraba partnership to grow your financial security to greater heights.

    • Term Investment Deposits
      ADCB Islamic Banking Term Investment Deposit is based on the concept of Mudaraba partnership. Your investment is placed in a common Mudaraba pool and is invested in strict compliance with Shari’ah to generate the best possible returns. A flexible investment tenor structure enables financial freedom with security.

    • Wakala Investment Deposits
      With a Wakala Investment Deposit, a Master Wakala Agreement is signed between the Muwakil (Investor) and the Wakil (the Bank). The Muwakil appoints the Wakil as an agent in order to invest in Shari’ah Compliant Investments on his/her behalf at an agreed profit rate, to be paid along with the principal on maturity.

    • Regular and Lump-sum Takaful Investment Programmes
      The Takaful and Savings Programmes from ADCB Islamic Banking offer financial assurance through a Shari’ah compliant savings strategy, whether your contributions are a regular commitment or a lump sum investment.
  • Finance Products

    • Yaqeen Salam Personal Finance
      “Yaqeen” is a retail cash finance product considered to be the most trusted Islamic Personal Finance; structured under the unique concept of “Bai Al Salam” (a Sale contract where the Customer undertakes to deliver/supply a specified tangible asset to the Buyer at mutually agreed future date in exchange for an advance price fully paid at spot by the Buyer).
    • To view the process of "Bai Al Salam" contract transactions please click the following link:Process of Executing Salam transaction
    • Murabaha Auto Finance
      With ADCB Islamic Banking Murabaha Auto Finance we work together to journey towards your true driving potential with attractive profit rates and a smooth approval process.

    • Ijarah Home Finance
      Offering property ownership through ADCB Islamic Banking Ijarah for completed properties and ADCB Islamic Banking Forward Ijarah for properties under construction, together we can secure the right property for you.

    • UAE Construction Home Finance
      UAE Construction Home Finance is offered exclusively to UAE National clients. Providing home finance options over and above Government-provided loans, let us work with you to buy or build the home or villa of your dreams.
    • ADCB Islamic Banking Credit Card
      ADCB Islamic Banking proudly offers the first of its kind Islamic Credit Card in the UAE based on the fundamental belief of Responsible Banking. This socially responsible credit card is available in Classic, Gold, Premium Gold and Platinum.
      The ADCB Islamic Banking credit card is interest free and packed with a host of exciting features and benefits

    To view the fatwa issued by the Chairman, Shari’ah Supervisory Board authenticating compliance of product structure and validating the documentation please check the following links: Arabic Fatwa | English Fatwa

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  • Contact Us
  • ATMs / Branches

Call - 800 5626

SMS - ISL to 2626

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